2010 Cadillac Escalade Insurance Cost – 10 Policy Discounts

Are you drained from scraping the payment together to insure your Cadillac every month? You are in the same boat as the majority of other people. There is such a variety of insurance companies to pick from, and although it’s nice to have a selection, it makes it harder to adequately compare rates.

You should take the time to quote other rates once or twice a year since prices are usually higher with each renewal. Even if you think you had the lowest price for Escalade insurance a year ago you can probably find a lower rate today. Block out anything you think you know about insurance coverage because you’re about to learn the best way to find great coverage at a great price.

Car insurance quotes comparison

Finding a lower price on 2010 Cadillac Escalade insurance isn’t really that difficult. All you need to do is spend a few minutes comparing rates from online providers. This can easily be done by using one of the methods below.

One of the fastest ways to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This form eliminates the need for boring form submissions for each company you want a rate for. One simple form compares rates from many national carriers.

A more time consuming way to find more affordable insurance is to manually visit the website for every company you want to comare and get a separate price quote. For examples sake, we’ll assume you are doing a rate comparison from Geico, Farmers and State Farm. In order to get each rate, you would have to spend time on each company’s site and type in your information over and over, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but try to use exactly the same coverage data for each price quote. If each company quotes different values for each quote it’s impossible to make an equal comparison.

Save money with these ten discounts

Some companies don’t list every discount in a way that’s easy to find, so the list below contains some of the more common and also the lesser-known discounts you could be receiving when you buy car insurance online. If you aren’t receiving every discount possible, you could be paying more than you need to.

  • Accident Forgiveness – This one isn’t a discount, but some companies like Allstate and Progressive allow you one accident before your rates go up with the catch being you have to be claim-free for a specific time period.
  • Claim-Free Discount – Insureds with no claims or accidents pay less in comparison with policyholders that have many claims.
  • Fewer Miles Equal More Savings – Driving fewer miles may allow you to get substantially lower prices.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs that have anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • Defensive Driver Discounts – Taking time to complete a safe driver course can save you 5% or more and make you a better driver.
  • Multiple Cars – Having primary and secondary vehicles on one policy can get a discount for every vehicle.
  • Mature Driver Discount – Drivers over the age of 55 are able to get a small discount on rates for Escalade insurance.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts can save a little on the premium charged for medical payments and/or PIP.
  • Homeowners Pay Less – Simply owning a home can get you a discount since owning and maintaining a home demonstrates responsibility.
  • New Car Discount – Insuring a new car can get you a discount compared to insuring an older model.

One thing to note about discounts is that some of the credits will not apply to the overall cost of the policy. Most only apply to specific coverage prices like liability and collision coverage. If you do the math and it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

A list of insurance companies and a summarized list of policyholder discounts are included below.

  • State Farm policyholders can earn discounts including Drive Safe & Save, multiple policy, driver’s education, anti-theft, accident-free, defensive driving training, and good student.
  • Farmers Insurance offers discounts including distant student, teen driver, alternative fuel, mature driver, and good student.
  • Progressive offers premium reductions for good student, homeowner, online signing, online quote discount, and multi-policy.
  • Geico has discounts for emergency military deployment, seat belt use, daytime running lights, air bags, military active duty, and membership and employees.
  • Auto-Owners Insurance may have discounts that include group or association, company car, mature driver, anti-lock brakes, student away at school, and safe vehicle.
  • The Hartford has savings for defensive driver, anti-theft, good student, driver training, and air bag.
  • Farm Bureau offers discounts for multi-vehicle, driver training, multi-policy, good student, and youthful driver.
  • USAA discounts include safe driver, loyalty savings, new vehicle, good student, driver training, and multi-policy.

When quoting, ask every prospective company the best way to save money. Depending on the company, some discounts might not apply in your area. To choose insurers with the best insurance discounts, click here.

What is the best insurance coverage coverage?

When choosing proper insurance coverage, there isn’t really a best way to insure your cars. Every situation is different so this has to be addressed. Here are some questions about coverages that can aid in determining if your situation could use an agent’s help.

  • Does insurance cover tools stolen from my truck?
  • Can I drive in Mexico and have coverage?
  • Am I covered if my car is in a flood?
  • Why am I required to get a high-risk car insurance policy?
  • Does my 2010 Cadillac Escalade qualify for pleasure use?
  • Am I covered if I drive in a foreign country?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverage options for a Cadillac Escalade

Understanding the coverages of a auto insurance policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. These are typical coverages found on most auto insurance policies.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually these limits are set the same as your liablity limits.

Comprehensive insurance – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, rock chips in glass, vandalism and hitting a bird. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage provide coverage for short-term medical expenses like pain medications, X-ray expenses, hospital visits and doctor visits. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Collision – This coverage will pay to fix damage to your Escalade from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as backing into a parked car, driving through your garage door, crashing into a ditch and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Auto liability insurance – This will cover damage that occurs to other people or property by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things like pain and suffering, attorney fees, loss of income and bail bonds. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Comments About 2010 Cadillac Escalade Insurance

  1. Olinda Duke

    I’ve bought from 21st Century forever. Cheapest rates in Columbus, Georgia.

  2. Jerlene Burns

    Any GEICO or Encompass customers near Fort Smith, AR?

  3. Luis Mcintosh

    I’m just west of Little Rock, AR. I quoted with Allstate, Erie, and Liberty Mutual for my Cadillac and saved just over $120 a year. Thankfully I have a good driving record. Just go online and compare their rates.

  4. Laronda Terrell

    Nice post. From northwest of Lexington, Kentucky. Received quotes from Western Auto Insurance, Auto-Owners, Liberty Mutual, and Sentry for my 2010 Cadillac Escalade and saved about $470 a year.

  5. Dylan Conley

    I’m looking for cheaper coverage. From northwest of Wichita, KS. Got rates from Allstate, AIG Insurance, Farmers, and The General for my 2010 Cadillac Escalade and cut my rates about $490 a year. Was with AAA. I just quoted rates online.

  6. Lauran Silva

    Liked the article. I’m in the south part of Boise, ID. I got free quotes from Allstate, Amica, Erie, and Hanover for my Escalade and I’m now saving $65 a month.